Zeal Credit Union Dearborn MI | Affordable Auto Loans & Business Banking

Introduction

Welcome to Zeal Credit Union, your trusted financial partner located at 22740 Michigan Ave, Dearborn, MI 48124. Since our establishment in 1954, we have been committed to serving our community with integrity and care. With a strong membership base of over 65,931 individuals, we take pride in being more than just a credit union; we are a community-focused institution dedicated to helping you achieve your financial goals. At Zeal, we understand that every member's needs are unique. That's why we offer a wide range of services tailored to support your personal and business financial journeys. From checking and savings accounts to auto loans and mortgage refinancing, our team is here to assist you every step of the way. With total assets exceeding $839 million and total deposits around $5 million, our sound financial standing ensures that your funds are safe and secure. Our leadership team, led by CEO Julie Kreinbring and Board President Michael O'Hehir, emphasizes transparency and member service. We believe in building lasting relationships with our members, ensuring that you feel valued and supported throughout your experience with us. Our dedicated staff of 142 employees is always ready to provide personalized assistance, whether in-person or through our convenient online banking services. While members can visit us at our Dearborn location, official correspondence should be sent to our mailing address at 17250 Newburgh Rd, Livonia, MI 48152. Feel free to reach out via phone at 800-321-8570 for any inquiries or assistance you may need. Join us today and discover how Zeal Credit Union can empower your financial future! Visit us online at zealcu.org or stop by our branch to learn more about becoming a member. Your journey towards better banking starts here!

Branch History & Mission

Join Us

As we look towards the future, Zeal Credit Union invites you to be part of our growing family. Discover how we can help you achieve your financial goals with ease and confidence. Experience the benefits of membership today by visiting us or calling us at 800-321-8570. Together, let's build a brighter financial future!

Our Journey

Zeal Credit Union began its journey with a simple mission: to provide accessible and fair financial services to everyone in our community. Over the years, we have evolved significantly, adapting to the changing needs of our members while maintaining our commitment to exceptional service. Our total assets have reached an impressive ${total_assets}, reflecting our stability and the trust placed in us by our members. From humble beginnings, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. We also cater to business banking needs through merchant services and business loans. Our digital advancements ensure that banking is convenient for all members can access their accounts anytime via online banking or our mobile app.

Our Mission

At Zeal Credit Union, our mission is clear: we strive to enhance the financial well-being of our members while fostering a sense of community. We understand that financial decisions can be overwhelming, which is why we focus on providing personalized support and guidance every step of the way. We believe in empowering our members through education and resources that promote informed choices. Our commitment extends beyond just financial services; we actively engage with the local community through outreach efforts and partnerships aimed at supporting various causes. Whether it's sponsoring local events or providing educational workshops, Zeal Credit Union is dedicated to making a positive impact in Dearborn and beyond. While members can visit us at 22740 Michigan Ave for their banking needs, official correspondence should be sent to our mailing address at 17250 Newburgh Rd, Livonia, MI 48152.

Branch Location & Accessibility

Call to Action

We invite you to come visit us at Zeal Credit Union! Our dedicated team is here to help you navigate your financial journey. If you have any questions or need assistance, don't hesitate to call us at 800-321-8570. We look forward to serving you soon!

Nearby Landmarks and Accessibility

Our branch is nestled near notable spots like the Henry Ford Museum and the vibrant downtown Dearborn area, making it easy to stop by while you're out exploring or running errands. We understand that accessibility matters, so our location features ADA-compliant entrances and ample parking spaces for your convenience.

Operating Hours

At Zeal Credit Union, we want to make your banking experience as smooth as possible. Our lobby is open Monday and Friday from 9:30 AM to 6:00 PM, and Tuesday through Thursday from 9:30 AM to 5:00 PM. This flexibility ensures that you can find a time that works best for you.

Services Offered

We offer a variety of personal banking services including checking and savings accounts, auto loans, mortgage loans, credit cards with rewards, and much more. For those on the go, we also provide ATM access so you can manage your finances anytime.

Member Eligibility

Joining the Zeal family means becoming part of a supportive community dedicated to your financial well-being. At Zeal, we welcome individuals who live, work, or worship in our service areas, as well as their immediate family members. Whether you're looking for personal banking solutions or simply want to be part of a cooperative that prioritizes its members, you've come to the right place. To find out more about who can become a member and what you'll need to get started, check out our eligibility details at zealcu.org/become-a-member. Opening an account is straightforward and inviting! You can start your journey with us online by visiting this link, or feel free to call us at 800-321-8570 if you have any questions. We're here to help you every step of the way at our branch located at 22740 Michigan Ave, Dearborn, MI 48124. Join us today and experience the benefits of being a Zeal member!

Business Banking & Commercial Services

Merchant Services That Make Sense

In addition to loans, our merchant services help streamline your transactions and improve cash flow. Imagine easily accepting payments from customers through various channels whether in-store or online allowing you to focus on what you do best: running your business. Located at 22740 Michigan Ave Dearborn Mi 48124 in Dearborn, MI, we're here to provide personalized service and expert advice tailored to your needs. Contact us at (800) 321-8570 today to learn how we can help your business thrive!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $14 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $148 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $5,226,083, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Additional Services

At Zeal, we also pride ourselves on providing exceptional service for all member needs. From ATM availability for quick cash access to personalized support from our team when you call us at (800) 321-8570, we're dedicated to making your banking experience as smooth as possible. We encourage you to take advantage of these offerings at Zeal Credit Union. Visit us at our branch or check out our website for more information on how we can help meet your financial goals. Together, let's build a brighter financial future! If you're ready to become a member or want more details about any of our services, please feel free to reach out or visit us online!

Business Banking

For our entrepreneurial members, Zeal offers robust business banking services. Whether you're just starting out or looking to expand, we provide merchant services and business loans tailored to meet the needs of local businesses.

Digital Banking Convenience

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts from anywhere at any time. With features like ATM access for cash withdrawals and balance checks, banking with us is straightforward and hassle-free.

Personal Banking

Managing your day-to-day finances is crucial, and our personal banking services provide the support you need. With options like checking and savings accounts, you can choose the account that best fits your lifestyle. Need to buy a new car? Our auto loans and vehicle financing services make it simple to drive off with a great deal. Additionally, if you're looking to buy a home or refinance an existing mortgage, our mortgage loans and refinancing options can guide you through the process smoothly.

Personal Loans and Credit Solutions

Life can sometimes throw unexpected expenses your way, and that's where our personal loans and debt consolidation solutions come in handy. Whether it's for home improvements or managing bills, we're here to assist. Plus, our credit cards with rewards provide an excellent way to earn benefits on your everyday purchases.

Digital & Online Banking

Key Features for Your Convenience

Our online banking services are packed with features to help you stay on top of your financial game. You can easily enroll in e-statements, reducing paper clutter while enjoying quick access to your financial documents whenever you need them. Plus, with electronic signature authorization available, signing documents has never been easier or more secure. If you're on the go, our mobile application is perfect for managing your accounts right from your smartphone. Make payments using mobile payments, send money to friends and family with person-to-person transfers, and keep track of all your transactions in real time. Our user-friendly interface ensures that even those new to online banking will feel comfortable navigating their accounts.

Safety First

Security is our top priority at Zeal. We use robust measures to protect your personal and financial information so that you can bank with peace of mind. From secure logins to encryption technology, we ensure that every transaction is safe. In today's fast-paced world, having access to your finances shouldn't be a hassle. With our digital and online banking services, managing your money has never been more accessible or straightforward. Join us at Zeal and experience the ease of banking at your fingertips!

Financial Strength

At Zeal, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. With strong financial health, we are dedicated to providing you with the best services possible. With a net worth of $166,089,569, we maintain robust financial strength, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,976 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $25,379,199 in share certificates and $129,820,925 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $137,477,896 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is reflected in the $7,068 in used auto loans and $663,177,718 in total loans and leases, supporting your financial goals across various sectors. Our operational efficiency is evident in our $16,838,934, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 133 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share Accounts stand at 123,194, showcasing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Zeal is your trusted partner. Visit us at 22740 Michigan Ave Dearborn Mi 48124 or call (800) 321-8570 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $114,950,675 in used vehicle loans and $25,751,563 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable pre-owned vehicle, our financing options are here to support your journey.

Business Loans

For business owners, our outstanding commercial loans totaling $5,226,083 provide the capital needed to grow and expand your business operations. We're dedicated to supporting local enterprises and helping them thrive. At Zeal, we believe in making lending accessible and straightforward for everyone. If you're interested in exploring refinancing or checking your eligibility for any of these products, please reach out. You can contact us at (800) 321-8570 or visit us at our branch located at 22740 Michigan Ave Dearborn Mi 48124 in Dearborn, MI. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Credit Lines

For those who need more flexibility, we offer total credit lines amounting to $185,000,000. This option gives you access to funds as needed without having to apply for individual loans each time.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $92,697,340, make buying or refinancing simple. We aim to provide personalized service to ensure you find the right loan for your situation.

Unsecured Credit Card Loans

Managing day-to-day expenses? We also offer flexible terms on unsecured credit card loans, with a total of $36,994,455 in loans helping members manage their finances effectively. This allows you to make purchases when you need them while benefiting from competitive rates and terms.

Loan Aggregator

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Real-Time Rate Comparisons

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